January 28, 2022 Disaster Relief Webinar

Western Kentucky Disaster Assistance Updates...

U.S. Small Business Administration Fact Sheet – Disaster Loans

occurring: December 10, 2021 & continuing  in the Kentucky counties of: Caldwell, Christian, Fulton, Graves, Hart, Hickman, Hopkins, Logan, Lyon, Marshall, Muhlenberg, Ohio, Taylor, and Warren; for economic injury only in the contiguous Kentucky counties of: Adair, Allen, Barren, Breckinridge,

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SBA Opens Business Recovery Center in Benton, KY

WASHINGTON – The U.S. Small Business Administration announced today the opening of a Business Recovery Center (BRC) at the Joe Creason Community Center in Benton on Wednesday, Dec. 15 to provide Kentucky businesses with one-on-one assistance in submitting a disaster

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If your business was impacted by the Severe Storms, Straightline Winds, Flooding, and Tornadoes that occurred on 12/10/2021, your business may qualify for a low-interest federal business disaster loan. The Kentucky SBDC can assist you in accessing the capital and resources you need to recover.

Federal Disaster Loan Programs

ACTIVATED: U.S. SBA Business Physical Disaster Loan

The SBA’s Business Physical Disaster Loan program loans to businesses to repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment. Businesses of any size and most private nonprofit organizations may apply to the SBA for a loan to recover after a disaster.

The SBA Business Physical Disaster Loan covers disaster losses not fully covered by insurance. If you are required to apply insurance proceeds to an outstanding mortgage on the damaged property, you can include that amount in your disaster loan application.


Counties: Caldwell, Christian, Fulton, Graves, Hart, Hickman, Hopkins, Logan, Lyon, Marshall, Muhlenberg, Ohio, Taylor, and Warren
Deadline: February 10, 2022

Learn More and Apply Online: https://disasterloanassistance.sba.gov/ela/s/


ACTIVATED: U.S. SBA Economic Injury Disaster Loan

The SBA’s Economic Injury Disaster Loan program provides capital loans to help small businesses, small agricultural cooperatives, and most private, non-profit organizations meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period.

EIDL assistance is available only to small businesses when SBA determines they are unable to obtain credit elsewhere.

A business may qualify for both an EIDL and a physical disaster loan. The maximum combined loan amount is $2 million.

Counties: Caldwell, Christian, Fulton, Graves, Hart, Hickman, Hopkins, Logan, Lyon, Marshall, Muhlenberg, Ohio, Taylor, and Warren; and the contiguous Kentucky counties of: Adair, Allen, Barren, Breckinridge, Butler, Calloway, Carlisle, Casey, Crittenden, Daviess, Edmonson, Grayson, Green, Hancock, Hardin, Larue, Livingston, Marion, McCracken, McLean, Metcalfe, Simpson, Todd, Trigg, and Webster.
Deadline: September 12, 2022

Learn More and Apply:  https://disasterloanassistance.sba.gov/ela/s/

Applying for SBA Disaster Loans

Applicants may apply online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloanassistance.sba.gov/ela/s/ and should apply under SBA declaration # 17286, not for the COVID-19 incident.

Apply Here

To be considered for all forms of disaster assistance, applicants should register online at DisasterAssistance.gov or download the FEMA mobile app. If online or mobile access is unavailable, applicants should call the FEMA toll-free helpline at 800-621-3362. Those who use 711-Relay or Video Relay Services should call 800-621-3362.

Businesses and individuals may also obtain information and loan applications by calling the SBA’s Customer Service Center at 1-800-659-2955 (1-800-877-8339 for the deaf and hard-of-hearing) or emailing DisasterCustomerService@sba.gov. Loan applications can also be downloaded at sba.gov/disaster. Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

Need Additional Assistance?

Impacted businesses may also visit one of the locations below to receive on-site application assistance.

SBA Business Recovery Center
Marshall County

Joe Creason Community Center
1600 Park Ave.
Benton, KY 42025
Hours: Monday – Friday, 9 a.m. to 6 p.m.
Saturday, Dec. 18, 10 a.m. to 2 p.m. (This is the only Saturday)
Closed: Sundays

SBA Business Recovery Center
Warren County

Western Kentucky University Center for Research and Development WKU Business Accelerator Center
2413 Nashville Rd
Bowling Green, KY 42101
Opening: Wednesday, Dec. 22, 8 a.m. – 5 p.m 

Hours: Monday – Friday, 8 a.m. to 5 p.m. 

Closed: Friday, Dec. 24 and Dec. 31 Closed: Saturday & Sunday

SBA Business Recovery Center
Hopkins County

Hopkins County Regional Chamber of Commerce
15 E. Center Street
Madisonville, KY 42431

Hours: Monday – Friday, 8 a.m. to 6 p.m.
Closed: Friday, Dec. 24 and Dec. 31 Closed: Saturday & Sunday

SBA Press Release - 12/21/21

SBA Adds Counties and Third Business Recovery Center to Kentucky Disaster Declaration


SBA Fact Sheet - Disaster Loans

Businesses may be eligible for financial assistance from the U. S. Small Business Administration (SBA).


Let Us Help Your Business

Our Business Coaches Are Available To Help You Navigate Disaster Assistance Programs And Develop A Plan For Reopening. Give us a call at 1-888-414-7232.


Navigating A Business Crisis

Practical strategies for Cash Management, Pricing & Cost Containment, Supply Chain Management, and Marketing to help small businesses effectively navigate through a Business Crisis.

Managing In Times Of Financial Difficulty

This checklist is designed to give guidance to businesses on how they can manage through difficult times. Small businesses need to take action when the going gets tough. While there is no single cure-all, there are many steps a business owner can take to manage through the difficult times and position the business for future growth.

Reopening Your Business After A Disaster

Following a disaster, the immediate reaction of many business owners is to reopen their business as soon as possible. However, a post disaster environment is anything but ‘business as usual’ for you, your employees, key suppliers and customers.

For additional information, call toll-free within Kentucky at 1-888-414-7232.

Disaster planning and Disaster recovery are topics most businesses don’t want to think about. 

Following a disaster, it is anything but ‘business as usual’ for you, your employees and customers. The faster you can return your business to some level of normal operations, the quicker you can restore your income, jobs, and the goods and services you supply to your customers. However, research shows that up to 40% of businesses affected by a disaster may never reopen.

The time it takes for a business to return to something like normal operating levels depends on a number of key issues:

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